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micreyes11 t1_jea0jbk wrote

Is it still a hard pull if you get a CL increase this way?

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Full_Prune7491 t1_jea10ga wrote

Not sure. People are obsessed with hard pull. Soft pull. Again credit is only important when you need to borrow money. Don’t this when you are applying for a mortgage if you are worried.

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bury-me-in-books t1_jedqo3u wrote

I had a bank employee tell me recently that if I wanted more info on the loan I was looking at, they would need to do a hard pull on my credit, and that it would be a 10% hit on my credit score. I'm not sure she was right, but I'm not willing to test that lol. I told her thanks for what info she could give me without the credit check, and then made a mental note to see how much a hard pull would actually affect my score by researching online, without doing one until I had to.

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ecohen2010 t1_jecdnbn wrote

I have never had a hard pull for any credit limit increase.

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